Sharpe ratio
0.47Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.76%1Y Absolute Return
-0.18%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| ICICI Prudential Retirement Fund - Pure Debt - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,43,350 | ₹7,32,612 | ₹1,10,738 | +5.85% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age7.7 yrs
Fund information
Scheme code146727
ISININF109KC1UE0
BenchmarkNIFTY Composite Debt Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.22%
Exit loadNil
Minimum SIP₹100 SIP
Return comparison
24th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +10.25% | — | — |
| 3M | -1.25% | — | — |
| 6M | +4.95% | — | — |
| 1Y | +3.76% | — | +1.16% |
| 3Y | +6.42% | — | +8.74% |
| 5Y | +5.85% | — | +7.27% |
| Since Launch | +7.30% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.81Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.89%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
2.73How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt88.35%
Cash11.65%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 19 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 11.9869% |
| Repo | Unspecified | Repo | 9.5724% |
| 4.45% Government of India (30/10/2034) | Entities | GOI Securities | 8.6633% |
| NIRMA LIMITED SR VII TR C 8.50 NCD 07AP27 FVRS1LAC | Consumer Staples | Debenture | 7.308% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 7.1427% |
| LIC Housing Finance Ltd Debenture 8.75 08/12/2028 | Financial | Debenture | 6.2295% |
| MUTHOOT FINANCE LIMITED 8.78 NCD 20MY27 FVRS1LAC | Financial | Debenture | 6.0964% |
| Yes Bank Ltd Bonds 8.00 30/09/2026 | Financial | Bonds | 6.0595% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 5.9117% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 5.6408% |
Fund management
RO
Rohit Lakhotia
Since 2023 · Prior to joining ICICI Prudential Mutual Fund, he has worked with Yes Bank and Samsung Electronics
Mr. Lakhotia has done B.Tech from NIT(Rourkela) and MBA from National Institute of Industrial Engineering
SH
Sharmila D'Silva
Since 2022 · She joined ICICI Prudential AMC Limited in September 2016.
Ms. D'Silva is CA and BAF
DA
Darshil Dedhia
Since 2024 · He has been working with ICICI Prudential Mutual Fund since 2013.
Mr. Dedhia has done CA and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -2.7%, volatility 1.9%. Trailing its category average over 3Y by 2.3 points.
Strengths
- Losses and swings stayed contained — worst fall -2.7%, volatility 1.9%.
- Recovered from its worst fall in 1 months.
- Ranks 24 of 106 in its category over 1 year.
Weaknesses
- Trailing its category average over 3Y by 2.3 points.
- Top 10 holdings make up 75% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- Top 10 holdings = 75% of the portfolio.